Up Your Average

Gimbal Financial
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Up Your Average is the “no nonsense” podcast made for interesting people who think differently. Learn to navigate your life with unconventional wisdom by tuning in to Keith Tyner and Doug Shrieve every week.

  1. 1D AGO

    71: How AI Can Fix Your Cash Flow (Before Lifestyle Creep Wins)

    Artificial intelligence is everywhere. But can AI actually help improve your cash flow, or is it just another shiny distraction? In this episode, Doug breaks down how artificial intelligence tools can be used practically to bring clarity, discipline, and efficiency to your cash flow, especially for families navigating rising income and the quiet threat of lifestyle creep. Many high-earning families don’t struggle with income—they struggle with visibility and control. As spending grows alongside success, cash flow often becomes reactive instead of intentional. We discuss how AI can help identify spending patterns, surface inefficiencies, and support better decision-making without removing the human judgment required for long-term financial planning. You’ll also learn why AI is not a replacement for wisdom, values, or a comprehensive financial strategy and how over-reliance on automation can actually accelerate lifestyle creep if left unchecked. The real power of AI lies in pairing it with a disciplined cash flow framework and experienced financial guidance. If you  want to use technology to support your financial goals, this conversation will help you think more clearly about how AI fits into your wealth strategy. 👉 Want professional guidance applying this to your own finances?Work with us at https://www.gimbalfinancial.com.

    26 min

  2. FEB 9

    70: This Generosity Strategy Can Lower Your Taxes

    Most families think about generosity emotionally—but few think about it strategically. In this episode, Keith and Caleb break down a surprising way to give generously while improving your tax planning, especially for families with significant assets. When done correctly, generosity doesn’t just improve the world around you—it can reduce taxes, preserve family wealth, and help future generations thrive. We walk through the four ways wealth is typically used over a lifetime: consumption, taxes, loss, and giving. While most people fixate on spending and investing, high-net-worth families often overlook how intentional giving can become one of the most efficient tools in their overall financial plan. You’ll learn: Why taxes are often the biggest “silent consumer” of wealthHow generosity can be structured to reduce tax dragA practical example of using tax-advantaged strategies to benefit family and future generationsWhy “giving later” is often less effective than giving intentionally todayThis is not about charity for charity’s sake. It’s about aligning your values with smart tax planning so your wealth does more than sit on a balance sheet or get lost to Uncle Sam. If you’ve ever wondered whether you can be generous and financially disciplined, this conversation will change how you think about giving. If you want help building generosity into your tax and financial plan, work with us at https://www.gimbalfinancial.com.

    27 min

  3. FEB 2

    69: What I Learned in My First Year as a Financial Advisor

    What can you really accomplish in your first year as a financial advisor? In this episode, Keith sits down with Caleb Tyner for an honest, behind-the-scenes conversation about the lessons that only come from being in the trenches—working with real families, navigating real markets, and learning what it actually takes to give meaningful financial advice. From mastering financial advisor fundamentals to learning how to communicate clearly without industry jargon, this discussion explores what surprised Caleb most during year one on the job. We talk openly about confidence, decision-making, client relationships, market volatility, and why humility and lifelong learning matter far more than having all the answers. If you’re someone thinking seriously about becoming an financial advisor, this episode offers valuable perspective on how advisors grow, how experience compounds over time, and why long-term thinking beats short-term tactics. You’ll also hear why relationship-based advising, emotional discipline, and clear communication are essential when helping families steward wealth across decades, not just market cycles. If you’re looking for thoughtful, long-term financial guidance, work with us at https://www.gimbalfinancial.com.

    32 min

  4. JAN 26

    68: Hate Your Job? It Might Be Overpaying You

    Most people believe their worst job was a waste of time. The low pay. The long hours. The frustration. The feeling of being stuck. But what if the job you hated was actually overpaying you? In this episode, Keith and Doug take a candid look at the lessons learned from the worst jobs we’ve ever had—from fast food counters to hotel front desks—and why those experiences quietly shaped skills that paid dividends for decades. This is not a motivational speech. It’s a practical reframing of work, training, and long-term value that especially matters if you’ve ever thought, “I hate my job” or “This can’t be it.” You’ll hear why: A paycheck is often the least valuable part of a jobThe worst roles frequently deliver the best trainingEarly work experiences build empathy, discipline, and perspectiveLearning to think long-term matters more than short-term income This conversation is especially relevant for families, professionals, and parents guiding young adults through early career decisions and for anyone building wealth with intention, not just income. If you’re thinking beyond today’s job and toward a more intentional financial future, we’d love to help. → Work with us: https://www.gimbalfinancial.com

    30 min

  5. JAN 19

    67: How to Master Cash Flow in 2026 (And Why It Matters)

    Cash flow is more than a budgeting exercise—it is the reality check that determines whether your money is truly supporting the life you want to live. In this episode, Doug walks through a comprehensive guide to cash flow, breaking it down into practical, real-world terms for families navigating career transitions, major purchases, retirement planning, or simply trying to create more financial margin. From wages and business income to taxes, expenses, investments, and giving, cash flow reveals not just where your money goes but what it values. You will learn why you should review your cash flow every year, how cash flow impacts net worth, why memories and experiences matter just as much as numbers, and how to use cash flow as a tool for better communication with your spouse and family This episode introduces a simple framework for evaluating money in, money out, and net cash flow—along with practical steps you can implement in under 90 minutes using tools you already have. If you want help turning your cash flow into long-term financial stability, we would love to talk. 👉 Work with us: https://www.gimbalfinancial.com

    27 min

  6. JAN 12

    66: A Doctor’s Perspective on Dementia and End-of-Life Care with George Elmes, M.D.

    When a parent begins to decline from dementia, families are often forced to make decisions with no perfect answers—only tradeoffs. In this episode, Keith and Doug sit down with experienced physician, Dr. George Elmes, M.D., to talk candidly about helping aging parents with dementia, navigating end-of-life care, and knowing when it’s time for family members to step in. This conversation goes beyond medical theory and into real-life scenarios families face every day: taking away car keys, recognizing cognitive decline, and deciding when independence must give way to safety. We also explore why dementia is often hidden by those diagnosed, how families miss early warning signs, and why waiting too long can leave everyone reacting instead of planning. You’ll hear a physician’s perspective on quality of life versus quantity of life, how medical technology can extend life without improving it, and why families must think long-term—not just crisis to crisis. Most importantly, we discuss how to approach these moments with compassion, clarity, and the goal of having no regrets. This episode is especially relevant for families with substantial assets who want to coordinate medical decisions with thoughtful financial planning—before a crisis forces rushed, emotional choices. If your family is facing dementia or planning for aging parents, professional guidance matters. We help families align medical realities with financial clarity. Work with us at https://www.gimbalfinancial.com.

    41 min

  7. JAN 5

    65: Ten Wedding Planning Mistakes to Avoid (and What to Do Instead) with Elizabeth Owens

    Planning a wedding is one of the most meaningful (and expensive) decisions a couple will make. Yet many families approach wedding planning without the guidance they need to avoid unnecessary stress, wasted money, and regret. In this episode, Keith and Doug interview wedding planner Elizabeth Owens to break down 10 essential wedding planning do’s and don’ts every couple should consider before the big day. Drawing from real-world experience with couples, Elizabeth discusses what actually matters versus what simply adds cost without adding value. From guest lists and vendors to timing, food choices, and flow of the day, this conversation helps couples make confident, informed decisions that align with both their values and their finances. You’ll learn why: → Smaller, intentional guest lists often lead to better experiences→ The right vendors, especially DJs and coordinators, can make or break the day→ Trends like first looks, private last dances, and late-night snacks are growing in popularity→ Overspending on décor rarely delivers lasting impact→ Preparation leads directly to peace on your wedding day Whether you’re newly engaged or helping a child plan their wedding, this episode offers practical wedding planning advice designed for families who care about long-term financial health, not just one event. If you want guidance that goes beyond the wedding day and supports your broader financial life, we’d love to help. 🔗 Work with us at https://www.gimbalfinancial.com🔗 Work with Elizabeth at https://www.savethedaysisters.com

    30 min

  8. 12/22/2025

    64: Taxable vs. Tax-Deferred vs. Tax-Free: Which Is Best?

    When it comes to retirement planning and tax planning, one of the most common questions families ask is: which is best—taxable, tax-deferred, or tax-free accounts? The honest answer is more nuanced than most articles or headlines suggest. In this episode, Keith and Doug break down how taxable accounts, tax-deferred accounts (like traditional IRAs and 401(k)s), and tax-free accounts (like Roth IRAs) actually work and why the “best” option depends on your income, tax bracket, time horizon, lifestyle goals, and giving intentions. This is not a black-and-white decision. It’s more like solving a Rubik’s Cube, where every move affects another side. We walk through real-world scenarios, including retirement income planning, required minimum distributions, charitable giving strategies, and how different asset types impact both taxes today and flexibility later. We also discuss why diversifying your tax exposure can create more control and confidence throughout retirement. If you’re approaching or already in retirement, thinking about legacy planning, or simply want to make smarter decisions with significant assets, this conversation will help you reframe how you evaluate account types and long-term strategy. Work with us at https://www.gimbalfinancial.com.

    35 min
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Ratings & Reviews

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out of 5
5 Ratings

About

Up Your Average is the “no nonsense” podcast made for interesting people who think differently. Learn to navigate your life with unconventional wisdom by tuning in to Keith Tyner and Doug Shrieve every week.

Information

  • Creator
    Gimbal Financial
  • Years Active
    2024 - 2026
  • Episodes
    71
  • Rating
    Clean
  • Copyright
    © 2025 Up Your Average
  • Show Website
    Up Your Average